Orange County property record for 175 Water St, Winter Garden, FL 34787
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 676 sqft · built 1940 |
| Lot Size | 0.161 acres (6,991 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $32,000 (Dec 1994) |
| Tax Bill | $533 (2025) |
| Deeds & Mortgages | Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-22-27-8104-00-300 |
| Primary APN | 23-22-27-8104-00-300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 676 sqft Living Area |
| Gross Area | 1,246 sqft |
| 1st Floor Area | 630 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,991 sqft (0.161 acres) |
| Lot Width | 50 ft Width |
| Garage Type | Detached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 66 sqft |
| Shed | 1 Shed |
| Total Buildings | 2 Buildings |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Convection |
| Heating Fuel | Electric |
| Street Address | 175 WATER ST |
|---|---|
| City | WINTER GARDEN |
| State | FL |
| Zip | 34787-3819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | G T SMITH SUB NO 4 L/120 LOT 30 3166/529 & 530 |
| Legal Range | 27E |
| Legal Township | 22S |
| Legal Section | 23 |
| Legal Subdivision | SMITH G T SUB NO 4 |
| Legal Tract | 8104 |
| Legal Lot Number | 30 |
| Jurisdiction | ORANGE FL |
| Township / Civil Division | WINTER GARDEN-OCOEE |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 17302 |
Source: Orange County records, as of April 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 175 WATER ST, WINTER GARDEN, FL 34787-3819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 1994 · Amount on Record |
| Deed Sale | Dec 20, 1994 · Amount on Record |
| Prior Sale | Jan 12, 1994 · Amount on Record |
| Deed Book / Page | 4834 / 378 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ORANGE FL |
| Property Address | 175 WATER ST, WINTER GARDEN, FL 34787-3819 |
| Document Number | 0000157321 |
| Instrument Date | Feb 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 175 WATER ST WINTER GARDEN FL 347873819, WINTER GARDEN, FL 34787-3819 |
| Document Number | 0000157321 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 157321 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 10, 2040 |
| Rate Type | Adjustable Rate |
|---|
Source: Orange County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Orange County |
| Unified School District | Orange County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $34,166 (+2.7%) | $151,833 (-3.35%) Land $90,883 Building $60,950 | |
| 2025 | $533.00 (+27.51%) Homeowner's exemption | $33,268 (+5.99%) | $157,093 (+8.88%) Land $90,883 Building $66,210 |
| 2024 | $418.00 (+7.73%) | ||
| 2023 | $388.00 (+12.79%) Homeowner's exemption | $31,388 (+3%) | $144,286 (+43.23%) Land $83,892 Building $60,394 |
| 2022 | $344.00 Homeowner's exemption | $30,474 | $100,740 Land $62,919 Building $37,821 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER GARDEN WATER DEPT (3 WPS) serves 72,205 people · EPA ID FL3481481 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 202 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, CenturyLink, Verizon.
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